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Key Takeaways:
- The Chase Freedom Unlimited® and the Chase Sapphire Preferred® Card are a great duo because together they cover many popular bonus categories, like travel, dining, drugstores, streaming and online groceries.
- The Chase Freedom Unlimited is best for everyday expenses, especially drugstore purchases.
- The Chase Sapphire Preferred is best for dining and Chase travel purchases and redemptions—points are worth 25% more when redeemed for Chase Travel℠.
Chase credit cards are very popular, partly because Chase Ultimate Rewards® points are valuable and can be used in many ways. When it comes to Chase cards, two cards make the perfect spending pair: the Chase Freedom Unlimited® is great for its low-effort cash-back earning power, and the Chase Sapphire Preferred® Card offers stacked travel rewards potential.
If you’re looking to earn cash back on everyday expenses and travel, and then ice the cake with the increased redemption strength of the Chase Travel℠ portal, read on to learn why the Chase Sapphire Preferred and Chase Freedom Unlimited make the perfect duo to help you maximize your rewards.
| Card | Sign-Up Bonus | Rewards Rate | Annual Fee | Best For | Learn More |
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60,000Chase Ultimate Rewards Points
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Dollar Equivalent: $1,380 (60,000 Chase Ultimate Rewards Points * 0.023 base) |
1x- 5xPoints
The card offers 5x points per dollar on Chase Travel℠, 3x points on dining (including eligible takeout and delivery services), as well as 3x points on select streaming services and online grocery purchases (excluding Target, Walmart and wholesale clubs). This card earns 2x points on all other travel spending and 1x point per dollar everywhere else. Chase broadly defines travel to include not just airfare, hotels and rental cars, but expenses like parking, tolls and public transit too. |
$95 |
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Apply Now |
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1.5%Extra Cash Back
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases. |
1.5% - 5%Cashback
Enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases. |
$0 |
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Apply Now |
Now let's look at the Chase Freedom Unlimited’s features and see how these two cards complement one another.
Why the Chase Freedom Unlimited and Chase Sapphire Preferred Cards Make a Great Combo
Combining these cards not only accelerates the rate at which you earn valuable travel rewards in a variety of spend categories you can use later for free flights and hotels, but you end up paying only one annual fee since the Chase Freedom Unlimited does not carry one.
Here are three good reasons why you should have both a Chase Freedom Unlimited and a Chase Sapphire Preferred card.
1. You’ll Earn More Bonus Points in More Categories
One big reason why the Chase Freedom Unlimited and Chase Sapphire Preferred cards make a good match is that they complement one another in offering distinctive bonus categories.
With a broad list of everyday bonus categories, cardholders are guaranteed a minimum earning rate of 1.5x points per dollar on every purchase. And since Chase Ultimate Rewards points are by and large worth around 2 cents each, the 1.5% cash back on all non-bonus spending results in a value of 1.5x points per dollar spent, which is a minimum of 3% return on your spending with these two cards.
2. You Can Increase the Value of Your Points
When you pair a cash back card like the Chase Freedom Unlimited or Chase Freedom FlexSM with a Chase card that earns Ultimate Rewards points, the cash back earned from a Chase Freedom card can be converted and combined to form valuable points that can be redeemed for travel. Once the points have been combined, you can then redeem them by transferring them to one of Chase’s numerous transfer partners—such as United, Hyatt or British Airways—and book your travel.
By transferring cash back earned from the Chase Freedom Unlimited to your Chase Sapphire Preferred account, your points are worth 25% more when redeemed for Chase Travel℠. You can get even more value out of your points by transferring them at a 1:1 ratio to transfer partners for a potentially higher gain.
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How to Use the Chase Trifecta to Maximize Your Ultimate Rewards Points
3. You’ll Pay Only One Annual Fee
These two cards aren’t just strong earners together; they're compatible in other ways. Both deliver excellent bonus categories and many complementary ways to use your points, but best of all—you’re only on the hook for one annual fee of $95.
There are several no-annual-fee credit cards that earn more than 1.5% cash back on all purchases. But being able to convert cash back into valuable Ultimate Rewards points for outstanding travel redemptions is why these two cards make an ideal pair when teamed up.
Before You Apply: Chase's 5/24 Rule
Before jumping into an application for the Chase Freedom Unlimited and the Chase Sapphire Preferred, be aware of Chase’s 5/24 rule. Chase has stringent application guidelines on who can or can't be approved for one of their cards.
To put it simply, Chase has an unpublicized rule that states you can't have applied for five credit card accounts (or more) in the last 24 months, or your application for new credit will almost certainly be denied (with a few exceptions). Keep this rule in mind when timing your application.
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When to Use the Chase Freedom Unlimited vs. the Chase Sapphire Preferred
The Chase Freedom Unlimited and the Chase Sapphire Preferred complement one another to amass Ultimate Rewards points and maximize your earning potential.
Here’s a look at some of the best times to use the Chase Freedom Unlimited vs. the Chase Sapphire Preferred:
- For everyday cash-back earning: You can’t go wrong with either card, but the Chase Freedom Unlimited earns 3% on dining and drugstores and 1.5% on other purchases.
- For maximizing travel redemptions: The Chase Sapphire Preferred nets you a little extra on points when you book travel through the Chase Travel℠ portal.
- For taking advantage of an interest-free period: The Chase Freedom Unlimited has 0% Intro APR for 15 months followed by 20.49% - 29.24% (Variable) APR that can help you pay down a bigger bill without getting hit with interest charges.
- For shopping overseas: The Chase Sapphire Preferred has no foreign transaction fees.
On top of all that, the Chase Sapphire Preferred's generous sign-up bonus can help you hit the ground running in accruing Ultimate Rewards points. Plus, the Ultimate Rewards program provides the flexibility to convert cash back earned from the Chase Freedom Unlimited into valuable travel rewards points—when combined with a card like the Chase Sapphire Preferred—making this the ultimate credit card pair.
Recommended Travel Credit Cards
| Credit Card | Intro Bonus | Annual Fee | Rewards Rate | Learn More |
|---|---|---|---|---|
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60,000Chase Ultimate Rewards Points
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Dollar Equivalent: $1,380 (60,000 Chase Ultimate Rewards Points * 0.023 base) |
$95 |
1x- 5xPoints
The card offers 5x points per dollar on Chase Travel℠, 3x points on dining (including eligible takeout and delivery services), as well as 3x points on select streaming services and online grocery purchases (excluding Target, Walmart and wholesale clubs). This card earns 2x points on all other travel spending and 1x point per dollar everywhere else. Chase broadly defines travel to include not just airfare, hotels and rental cars, but expenses like parking, tolls and public transit too. |
Apply Now |
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50,000Southwest Rapid Rewards Points
Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening. Dollar Equivalent: $700 (50,000 Southwest Rapid Rewards Points * 0.014 base) |
$69 |
1x - 2xPoints
Earn 2X points on Southwest® purchases. Earn 2X points on Rapid Rewards® hotel and car rental partners. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services; select streaming. Earn 1X points on all other purchases. |
Apply Now |
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20,000United MileagePlus Miles
Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. Dollar Equivalent: $280 (20,000 United MileagePlus Miles * 0.014 base) |
$0 |
1x - 2xPoints
Earn 2X United miles per dollar on United purchases, local transit and commuting and at gas stations. You’ll earn 1X mile per dollar on all other purchases. |
Apply Now |
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60,000Citi ThankYou Points
Earn 60,000 bonus ThankYou Points after making $4,000 worth of purchases during the first three months of account opening. Dollar Equivalent: $1,080 (60,000 Citi ThankYou Points * 0.018 base) |
$95 |
1X-10XPoints
10X total ThankYou® Points per $1 spent on hotel, car rentals and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024. 3X -- Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels 3X -- Earn 3 Points per $1 spent at Restaurants and Supermarkets 1X -- Earn 1 Point on All Other Purchases |
Apply Now Rates & Fees |
Juan Ruiz
Juan has been writing and editing stories involving credit cards, loyalty programs, travel, and personal finance topics for more than 10 years. In addition to working and contributing to a number of outlets including The Points Guy, Forbes, and Business Insider, Juan was recently the editor-in-chief at Money Under 30, where he led a team of personal finance journalists. He is also an adjunct professor at Florida International University and a licensed real estate professional.
